1.      Fund Options: There are 11 fund options to choose from

• Equity Plus Fund: To generate long term capital appreciation in line or better than Nifty index returns
• Diversified Equity Fund: To generate long term capital appreciation by investing in high potential companies across the market cap spectrum
• Blue Chip Fund: Exposure to large –cap equities & equity related instruments
• Opportunities Fund: Exposure to mid –cap equities & equity related instruments
• Balanced Fund: Dynamic Equity exposure to enhance the returns while the Debt allocation reduces the volatility of returns
• Income Fund: Higher potential returns due to higher duration and credit exposure
• Bond Fund: Active allocation across all fixed income instruments
• Conservative Fund: To invest in high grade fixed income instruments and Government securities at the short end of the yield curve, to deliver stable returns
• Discovery Fund: Long term capital growth by investing predominantly in mid-cap companies.
• Equity Advantage Fund: Long term capital growth through diversified investments in companies across the market capitalisation spectrum
• Secure Managed Fund: Secure Managed fund invests 100% in Government Securities and Bonds issued by companies or other bodies with a high credit standing, however up to 25% of the fund may be invested in Public Deposits and Money Market Instrument to facilitate the dayto-day running of the fund.

2.      Maturity Benefit: On survival till the end of policy term, you will receive your Fund Value as Maturity Benefit.

3.      Death Benefit: In case of the Life Assured’s unfortunate demise, we will pay to the nominee the highest of the following: Sum Assured, Fund Value, 105% of the premium(s) paid. The policy will terminate thereafter and no more benefits will be payable.

4.      Charges:

• Premium allocation charge – Nil.
• Policy administration charge – Nil.
• Fund Management Charge –
• 0.80% p.a. of the fund value, charged daily for Secure Managed Fund.
• 1.35% p.a. of the fund value, charged daily, for all other funds.
• 0.50% p.a. of the fund value for Discontinued Policy Fund.
• Mortality Charge – levied every month for providing you with the death benefit in your policy. This charge will be taken by cancelling units proportionately from each of the fund(s) you have chosen
• Discontinuance charge – Nil. Please note it is always advisable to pay premiums for the full premium paying term and stay invested for the full policy term in order to enjoy maximum benefits.

5.      Plan Flexibility:

• Switching: You can move your accumulated funds from one fund to another anytime.
• Premium Redirection: You can pay your future premiums into different funds as per your need. First 4 free premium redirections in any policy year are free of cost. Subsequent premium redirections will be charged. Unused free premium redirections cannot be carried forward.
• Switching charge: There are 4 free switches in each policy year. Subsequent switches, if any, will attract a charge of ` 250 per request or a reduced charge of ` 25 per request if executed through the company’s web portal. This charge will be levied on switching of monies from one fund to another available fund within the product. The charge per each switch will be levied at the time of effecting the switch.
• Partial withdrawal charge: There are 4 free partial withdrawals in each pol i cy year. Subsequent partial withdrawals, if any, will attract a charges ₹ 250 per request or a reduced charge of ₹ 25 per request if executed through the company’s web portal. This will be levied on the unit fund at the time of part withdrawal of the fund during the contract period
• Choice of riders:
  • Income Benefit on Accidental Disability Rider - 1% of Rider Sum Assured per month for the next 10 years, in case of an Accidental Total Permanent Disability
  • Critical Illness Plus Rider: A lump sum benefit equal to the Rider Sum Assured shall be payable in case you are diagnosed with any of the 19 Critical Illnesses and survive for a period of 30 days following the diagnosis. There is no maturity